Exhibit 21

List of Subsidiaries

Registrant:  Colonial Financial Services, Inc.

		Jurisdiction or
Subsidiaries	Percentage Ownership	State of Incorporation
Colonial Bank, FSB	100%	United States
	Colonial Bank, FSB
		Jurisdiction or
Subsidiaries	Percentage Ownership	State of Incorporation
COBK Investments, LLC	100%	Delaware
Cohansey Bridge, LLC	100%	New Jersey